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LBM in 2003.. What have I been doing since??!
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Just catching up and seems I need to drop off some of these ---:j:beer::T well done
MORTGAGE BALANCE when we moved Aug 2024, £120,000. January 1st £118,267.06. May 1st, £116, 123, June 1st, £115,536, New mortgage added for extension- £165,000 July 1st!Mortgage Overpayments - September-December, £152.46. J- £103.27, F- £115, M- £91.50, A- £100, M- £200, J- £200. J- £200. A-£200, S- £200.
Total- £1562.23
Goal pay off 1% of current mortgage in 1 year. £1650
EF- first goal £300
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So close you can smell it, I have 24 more hoops to get through. each one is special but my word that last one must be marvellous!Trying to shift that debt!0
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Thanks lovely peeps..you are all so good to me
Today has been a spendy day (house maintenance
getting chimneys swept and boilers serviced but all has to be done and supposedly according to my SOA there was £100pm for it so £1200 pa...where has it gone I wonder :eek:)
OH has done a sterling job with the bedroom. Almost finished! And then we can move back in and stop camping in DD1's room!
In other news..
1. Nice HM veggie soup for lunch with HM bread. Tea was a hotchpotch pasta sauce of pesto, goats cheese, plenty of garlic and pepper, 2 slices of bacon between 4, spring greens...and, dear readers, if I say so myself, it was YUM. And best of all only took 20 mins to make. :T
2. Took the step of getting myself an accountant. Went fully prepared..which helped...and had a free initial consultation. Think I am clearer now on stuff and that will all help me stay DF in the future
3. Watered down my wine!!! :rotfl:.. Well every little helps! And quite frankly it's fine. Not bad these sub £5 bottles from Sainsbugs you know.. even with water:)
4. Done the TTs as usual and updated the spreadsheets and we are sub £2k:T:T
5. Switched the heating off..it's SO mild.
Hope to cruise the diaries later...have a great weekend folksMFiT-T4 Member No. 96 - 2022 is my MF goal
Winter 17/18 Savings Rate Goal: 25% [October 30%] :T
Declutter 60 items before 31.03.18 9/60 ** LSDs Target 10 for March 03/10 **AFDs 10/15 ** Sales/TCB Target 2018 £25/£500 NSDs Target 10 for March 02/10 Trying to be a Frugalista:rotfl::T0 -
All sounding good Brizz, I add cheap lemonade to white wine to make it last longer, like the water idea though as it's free.0
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Hi PWPS..yes nicked the idea of a good mate who chucks cheap soda water in hers...I guess it's also healthier although as my wine generally gets served in a bucket maybe not!!! How are you anyway? Marching on?
OH has gone out I will miss him but every cloud has a silver lining 
as it means I can properly catch up on here once DDs are in bed:) MFiT-T4 Member No. 96 - 2022 is my MF goal
Winter 17/18 Savings Rate Goal: 25% [October 30%] :T
Declutter 60 items before 31.03.18 9/60 ** LSDs Target 10 for March 03/10 **AFDs 10/15 ** Sales/TCB Target 2018 £25/£500 NSDs Target 10 for March 02/10 Trying to be a Frugalista:rotfl::T0 -
Did anyone read the article a few weeks back about putting wine through a Sodastream with lemonade to make fizz. Apparently the cheap wine works best.What would you get if all you got was what you were thankful for?0
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No, I didn't but that's ace!!! I may have to see if I can pick up a second hand SS! Thanks satchmo
Am thinking cheapie Xmas presents here MFiT-T4 Member No. 96 - 2022 is my MF goal
Winter 17/18 Savings Rate Goal: 25% [October 30%] :T
Declutter 60 items before 31.03.18 9/60 ** LSDs Target 10 for March 03/10 **AFDs 10/15 ** Sales/TCB Target 2018 £25/£500 NSDs Target 10 for March 02/10 Trying to be a Frugalista:rotfl::T0 -
Mild:eek:
Had snow here.I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.
Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
"A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
***Fall down seven times,stand up eight*** ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
One debt remaining. Home improvement loan.0 -
UGGH. Sorry beanie...actually it seems chillier now but I am resolute. It stays off!! It's pretty mild down here. It's been a beautiful Spring day here. Even put some washing out..Alice, I thought of you! :rotfl:
Hope snow stays fun and not inconvenient or tiresome beanieMFiT-T4 Member No. 96 - 2022 is my MF goal
Winter 17/18 Savings Rate Goal: 25% [October 30%] :T
Declutter 60 items before 31.03.18 9/60 ** LSDs Target 10 for March 03/10 **AFDs 10/15 ** Sales/TCB Target 2018 £25/£500 NSDs Target 10 for March 02/10 Trying to be a Frugalista:rotfl::T0 -
It hasent stayed but it was cold enough for big flurries.
Have a happy weekend.I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.
Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
"A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
***Fall down seven times,stand up eight*** ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
One debt remaining. Home improvement loan.0
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